How Do I Choose Between Staying in My Long Island Home or Moving to Assisted Living?

For many Long Island seniors, the question of whether to stay in their current home or move to assisted living comes down to independence, safety, and peace of mind. The right choice depends on your health, support system, and finances — but most importantly, on how you want to live each day.

This is not an easy decision. But with clear information and family support, you can make a choice that honors both your comfort and your future needs.

Understand the Difference

Staying Home
Staying in your Long Island home can be comforting and familiar. You maintain independence and stay close to neighbors and memories. However, it often means managing property taxes, maintenance, and potential safety concerns.

Assisted Living
Assisted living communities — such as The Bristal, Sunrise Senior Living, and Atria Senior Living — offer independence with added help for daily tasks. They provide social interaction, meals, transportation, and security, all in one place.

Step 1: Assess Your Health and Daily Needs

Ask yourself:

• Do I need help with cooking, cleaning, or managing medications?

• Are stairs or mobility issues making my home harder to navigate?

• Would I feel safer with staff available 24/7?

If health or safety are growing concerns, assisted living can offer relief and reassurance.

Step 2: Compare Financial Factors

Remaining in a home on Long Island often involves significant costs:

• Property taxes in Nassau County average more than $14,000 per year.

• Utilities, maintenance, and lawn care can add thousands more.

By comparison, assisted living may cost $6,000–$8,500 per month but includes housing, meals, and many daily needs. Selling your home can often fund years of care, especially in Nassau and Suffolk markets where property values remain high.

An SRES® REALTOR can help you estimate sale proceeds and coordinate timing if you decide to sell.

Step 3: Consider Your Social Life and Support

Loneliness is one of the most common reasons seniors choose to move. Staying home may feel isolating, especially if family members live far away or driving becomes difficult.

Assisted living communities foster social interaction through:

• Group activities and outings

• On-site dining with peers

• Clubs, fitness programs, and events

If companionship is missing from your daily life, assisted living can restore a sense of connection.

Step 4: Weigh Emotional and Practical Benefits

Staying HomeMoving to Assisted LivingFamiliar environmentEasier lifestyle with daily supportIndependence and privacySocial engagement and safetyHome equity preservedNo more maintenance or property taxesPossible isolationBuilt-in medical and wellness care

There’s no “right” answer — just the one that fits your needs best.

Step 5: Talk With Family and Trusted Advisors

Bring your family into the conversation early. Adult children can offer perspective and help organize next steps. Together, discuss:

• Your health and long-term care goals

• The financial impact of each option

• Emotional readiness for change

You might even consider touring assisted living communities together, just to explore possibilities before deciding.

Step 6: Plan Ahead — Even if You’re Not Ready Yet

Even if you choose to stay home now, it’s wise to prepare for the future.

• Research assisted living options early so you’re not forced into a rushed decision.

• Make home modifications — grab bars, stair lifts, better lighting — for safety.

• Create a financial plan with your advisor and family.

Proactive planning gives you control and peace of mind.

Moving Forward With Confidence

Choosing between staying home and moving to assisted living is one of the most personal decisions you’ll ever make. The goal isn’t to rush — it’s to prepare thoughtfully.

With support from family, financial professionals, and an SRES® REALTOR like Eric Berman, you can explore every option with clarity and compassion.

If you’re weighing the choice between staying in your Long Island home or moving to assisted living, reach out to Eric Berman, SRES® Specialist REALTOR. He’ll help you evaluate your home’s value, explore local senior housing options, and plan a move that supports your comfort and future.